Field Sales & Agent CRM
Field sales that connects every lead to the loan it becomes.
Capture leads in the field, carry them into a loan application without re-keying, and pay commission only on loans actually disbursed — traced to the agent who sourced them.
- Lead → loan · Amina Joseph
- Disbursed · LN-2071
- Commission
- Only on disbursed loans
- Disbursed · September 2026
- TSh 756.2M
Every lead traced to a loan
Don't just track activity — track what it produces
A generic CRM can track leads. What it cannot do is tell you which lead became a disbursed loan, sourced by which agent, and therefore what commission is actually owed. Ustawi tracks the whole chain on one customer record — so the answer to "where did this loan come from?" is built in, not reconstructed later.
Tap a stage to stop on it. Hover pauses the animation.
The same customer record follows the whole journey — no duplicate entry, no telling finance "this one came from John".
Before, and with, Ustawi
Drag the slider: the same lead, tracked in an agent activity sheet versus tracked in Ustawi.
| Amina Joseph | John M.? | 8M | loan #?? |
| Juma Traders | Sarah K. | 8M | docs? |
| Neema P. | David S. | 3M | paid out? |
| Mwenge Hardware | John/Sarah? | 12M | #REF! |
From first contact to a disbursed loan
Who owns this lead?
Attribution starts at assignment. Each lead has a clear owner and a history, so two agents can't both claim the same customer — and when a lead is reassigned, that is recorded too.
Ownership and any reassignment are recorded on the lead's history.
Manage the whole lead pipeline
Every lead moves through the same stages, from first capture to a disbursed loan. Managers filter by branch, agent, product or stage; agents see what to do next on each one.
| Lead | Agent | Product | Amount | Stage | Next action |
|---|---|---|---|---|---|
| Amina Joseph | John M. | Business Loan | TSh 8M | Qualified | Visit → |
| Juma Traders | Sarah K. | Working Capital | TSh 8M | Application | Documents → |
| Neema P. | David S. | Salary Loan | TSh 3M | Approved | Disbursement → |
| Mwenge Hardware | John M. | SME Loan | TSh 12M | New | Call → |
Every visit becomes part of the customer history
A field visit is captured with its location and time, the outcome, the amount discussed and the next action — so the record is evidence, not a story told back at the branch.
Location and time are captured on the visit — see GPS & visit verification in the Mobile App.
One customer, one complete history
The customer doesn't disappear once they become an application. The lead, the visits, the application, the loan, the agent and the commission all sit on one record — which is exactly what a standalone CRM can't show.
- Lead created12 Sep 2026Source: John M. (field campaign)
- Field visits12–16 Sep3 visits · loan assessment
- Application16 Sep 2026#APP-842 submitted
- Approval17 Sep 2026Credit decision · approved
- Disbursement18 Sep 2026Loan #LN-2071 · TSh 8M
- Commission18 Sep 2026TSh 160K · attributed to John M.
From lead to loan, with no re-keying
A qualified lead becomes a loan application in one step — the customer's details, the agent and the lead source all carried forward. This is the reason to run field sales inside Ustawi rather than a standalone CRM bolted onto a loan system.
Every handoff leaves a trace
Who captured the lead, who owns it, who updated it, and what happened next — every important step is recorded. That is what makes attribution trustworthy and commission defensible.
- 12 Sep · 09:15Lead captured & assigned· John M.
- 14 Sep · 10:42Field visit recorded (location)· John M.
- 16 Sep · 14:05Application submitted (APP-842)· John M.
- 17 Sep · 11:20Application approved· P. Salum
- 18 Sep · 09:30Loan disbursed (LN-2071)· System
- 18 Sep · 09:31Commission attributed to John M.· System
Commission you can trace
Commission from loans actually disbursed
This is the killer feature. Commission is calculated against real disbursed loans — not self-reported activity — and every figure traces back to the exact lead, application and loan that earned it.
| Agent | Disbursed | Rate | Commission | Status |
|---|---|---|---|---|
| John M. | TSh 24.6M | 2% | TSh 492K | Approved |
| Sarah K. | TSh 18.2M | 2% | TSh 364K | Pending |
| David S. | TSh 31.4M | 2.5% | TSh 785K | Approved |
Commission rules you configure
Commission rules are configurable — by product, agent tier and amount bands — and always calculated on disbursed principal, never on self-reported activity. The tiers below are one example, not a fixed rate.
| Disbursed amount band | Rate |
|---|---|
| TSh 0 – 10M | 1.5% |
| TSh 10 – 30M | 2.0% |
| TSh 30M + | 2.5% |
Rates and bands are configured per institution and product.
Only an actual disbursement creates commission eligibility. A captured lead or a submitted application earns nothing on its own — which keeps commission honest.
See commission traced from your own disbursed loans.
The agent's day, on the phone
The field agent's app, in their hand
The product is called Field Sales — so the agent's day runs on the phone. Today's worklist and route, the leads to see, the visits to log, and the follow-ups due — all in one place, and all working offline where the network doesn't reach.
- Amina Joseph0.8 km
- Upendo Salon1.4 km
- Rehema M.2.2 km
- Mwenge Hardware3.1 km
Built for working outside the office
- Today's worklist and route
- Assigned leads and customer cards
- Log a visit with location and notes
- Capture photos and documents
- Update lead status on the spot
- Works offline; syncs on reconnect
Keep working when connectivity is unreliable
Field agents work where the network is patchy. The app keeps going offline — view assigned leads, record visits, capture notes and documents, update lead status — then syncs to the manager's dashboard when the connection returns.
Agents, branches and sources at a glance
What the manager sees
In the office, a manager sees the whole field operation in one view — today's activity across every agent, and the exceptions that need a nudge before they cost a deal.
Every agent has a complete profile
An agent is more than a name and a headcount. Ustawi shows each agent's branch, their pipeline, the loans they actually sourced, and the commission earned — the difference between managing activity and managing outcomes.
Agent performance at a glance
The management layer: leads, qualification, applications, disbursements and conversion per agent — filterable by branch, product and period. Visibility to coach and rebalance, not a leaderboard for its own sake.
| Agent | Leads | Qualified | Applications | Disbursed | Conversion |
|---|---|---|---|---|---|
| John M. | 48 | 31 | 18 | 12 | 25% |
| Sarah K. | 42 | 29 | 16 | 10 | 24% |
| David S. | 36 | 21 | 14 | 11 | 31% |
See field activity by branch
Agents belong to branches, and the pipeline rolls up the same way — so a manager can see where leads, pipeline and disbursements are concentrated, and where a branch needs support.
| Branch | Leads | Pipeline | Disbursed | Conversion |
|---|---|---|---|---|
| Kinondoni | 412 | TSh 238.5M | TSh 216.4M | 26% |
| Ilala | 455 | TSh 251.3M | TSh 222.1M | 24% |
| Temeke | 268 | TSh 131.2M | TSh 118.6M | 22% |
| Ubungo | 330 | TSh 214.7M | TSh 199.1M | 28% |
Figures for September 2026.
Where are your leads coming from?
Referral and campaign sources are tracked through to disbursement — so you can see not just which source brings the most leads, but which brings the most loans.
Connected across the Ustawi platform
Field Sales is not a standalone CRM — its natural advantage is the lending lifecycle that follows the sale, on the same customer record.
A qualified lead becomes an application, details carried forward.
Explore app →The same offline-first field model for follow-up.
Explore app →Field coordinators running savings groups on the ground.
Explore app →Sourced loans flow into portfolio and reporting.
Explore app →The field app — worklist, routes, GPS visits, offline.
Explore app →Who it's for
Any lender that grows through people in the field — and wants to know exactly what that field activity produced.
Grow the book through field agents, with attribution and commission built in.
Recruit and serve members in the field, tied to the lending workflow.
Blend field origination with a digital loan pipeline.
Run a distributed agent network from one platform.
Track referral sources through to disbursement and payout.
Sales is still about people meeting people
The best field sales happens face to face — an agent who knows a market, a customer who trusts a familiar face. Ustawi doesn't replace that relationship; it remembers what came of it, so the agent gets credit for the loan they sourced and the institution knows exactly where its book came from.
Getting live
How we get you live
A structured rollout, from configuring commission rules to running the agent network live.
- 01Configure
Set products, branches, commission rules and lead stages.
- 02Import
Bring existing agents, leads and customers onto the platform.
- 03Assign
Assign agents to branches and leads to agents.
- 04Train
Bring agents and managers up to speed on the mobile and web apps.
- 05Pilot
Run a branch or team live and validate attribution and commission.
- 06Go live
Roll out across the agent network, with support on hand.
See Field Sales & Agent CRM in a live demo
Request a DemoFrequently asked questions
Yes — lead attribution is tracked from capture through to disbursement, on one customer record with a full activity and audit trail.